New and Used Vehicle Rates

Model Year 2012 and Newer
Last Updated: August 22, 2019, 3:56 pm

TermsAPR
36 Months3.29%*
48 Months3.29%*
60 Months3.69%*
72 Months3.99%*
84 Months4.69%*
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice. Minimum loan amounts may apply and vary by term.

Used Vehicle Rates

Model Year 2011 and Older
Last Updated: August 22, 2019, 3:54 pm

TermsAPR
36 Months3.79%*
48 Months3.79%*
60 Months4.19%*
72 Months4.49%*
84 Months5.19%*
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice.

Recreational Vehicle Rates

Last Updated: May 8, 2018, 9:58 am

TypeAPRTermsConditions
New Motor Homes4.49%*48-144 Months available, rates may change with term.85% lesser of MSRP or Purchase Price & Taxes
Used Motor Homes4.74%*48-144 Months available, rates may change with term.85% lesser of Low Average Retail or Purchase Price. Taxes Excluded.
New Boats4.49%*48-144 Months available, rates may change with term.85% lesser of MSRP or Purchase Price & Taxes
Used Boats4.74%*48-144 Months available, rates may change with term.85% lesser of Low Average Retail or Purchase Price. Taxes Excluded.
Motorcycles New and Used4.49%*48-144 Months available, rates may change with term.85% lesser of MSRP or Purchase Price & Taxes
Classic CarsCall Sierra Pacific for current Rates and Terms
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice.



Personal Loan Rates

Last Updated: May 8, 2018, 9:37 am

TypeAPRTermsConditions
Overdraft Line of Credit13.00%*Open-EndUp to $2,500
Visa8.49%*Open-EndSee visa disclosure for terms and conditions
Personal/Unsecured9.99%*Up to 60 MonthsFrom $500 to $10,000 Terms Vary by Amount
Share SecuredRegular share rate plus 3%Up to 36 MonthsInstant Approval Shares are pledged (Cannot be withdrawn)
Share SecuredRegular share rate plus 4%37-120 Months
Business Loan Products OfferedCall Credit Union For Details
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice.

Savings and Investment Rates

Last Updated: May 1, 2018, 10:47 am

TypeDividend RateAPYConditions
Regular Shares0.1500%*0.1500%$0.01 to $9,999.99
Regular Shares 10k+0.2000%*0.2000%$10k and up
*Regular share deposits are the basic instruments of share ownership. Regular shares pay a cash dividend, which is declared monthly. Dividends are calculated based on daily balances, and are paid the last day of the month in which the dividend was earned.
Value: Dividend interest paid is consistently higher than liquid savings instruments at banks and savings and loans. SPFCU has even consistently paid higher dividends than many money market funds and one year CDs.
Security: Each savings account is insured for $250,000 through the Federal National Credit Union Administration (NCUA). Plus, we have excess shares insurance which covers you up to an additional $250,000.
Deposits and Withdrawals: Unlike many other institutions, deposits are normally available the moment they are deposited. Withdrawals from savings and investment instruments can be made any business day up until 5:00 P.M. Funds can be picked up, mailed, or for the direct cost - be sent overnight delivery.
*Annual Percentage Yield
Rates are subject to change and may change once the account has been opened.
The rates listed are accurate as of the date specified above.

Club Account Rates

Last Updated: September 30, 2019, 9:15 am

TypeDividend RateAPYConditions
Christmas Club0.2000%*0.2000%Funds Released Nov. 1st
Vacation Club0.2000%*0.2000%
Auxiliary Account0.1500%*0.1500%Up to $9,999. Rate increases at $10,000

Regular share desposits are the basic instruments of share ownership. Regular shares pay a cash dividend, which is declared monthly. Dividends are calculated based on daily balances, and are paid the last day of the month in which the dividend was earned.

Value: Dividend interest paid is consistently higher than liquid savings instruments at banks and savings and loans. SPFCU has even consistently paid higher dividends than many money market funds and one year CDs.

Security: Each savings account is insured for $250,000 through the Federal National Credit Union Administration (NCUA). Plus, we have excess shares insurance which covers you up to an additional $250,000.

Deposits and Withdrawals: Unlike many other institutions, deposits are normally available the moment they are deposited. Withdrawals from savings and investment instruments can be made any business day up until 5:00 P.M. Funds can be picked up, mailed, or for the direct cost - be sent overnight delivery.

*Annual Percentage Yield

Rates are subject to change and may change once the account has been opened. The rates listed are accurate as of the date specified above.

IRA Rates

Last Updated: February 6, 2019, 3:08 pm

TypeDividend RateAPYConditions
IRA0.4000%*0.4000%$100 - 9999k
IRA 10k+0.5500%*0.5500%$10k and up

Money Market Rates

Last Updated: September 4, 2018, 2:36 pm

ProductDividend RateAPYConditions
$10k to $24,9990.5000%*0.5000%$10k and up
$25k to $99,9990.6500%0.6500%$25k and up
$100k to $149,9990.6500%0.6500%$100k and up
$150k+0.7000%0.7000%$150k and up

Certificate Rates

Last Updated: February 6, 2019, 4:59 pm

ProductRateAPRConditions
6 Month0.4000%*0.4000%$5k - 100k
9 Month0.5000%0.500%$25k - 100k
12 Month0.7500%0.7500%$5,000 - 24,999
12 Month 25k+0.8500%0.8500%$25k - 99,999





Home Loan Rates

Last Updated: November 15, 2019, 9:22 am

TypeRateAPRConditions
Home Equity Lines of CreditCall for Current RatesUp to 240 MonthsVariable Rate Loan
Business Home Equity Line Of CreditCall for Current RatesVariable Rate Loan
First Mortgages 30 Year3.625%3.744%30 year fixed rate
First Mortgages 15 Year3.125%3.334%15 year fixed rate
Residential Lot LoansCall for Current Rates
APR=Annual Percentage Rate. Rates are displayed "as low as". Your rate may be higher based on credit, market rate, and other factors. Sierra Pacific FCU is an equal housing opportunity lender and federally insured by the NCUA.

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Sierra Pacific Federal Credit Union